Credit union savings balances increased 0.3% in September, compared with a 0.7% decrease during August. Individual retirement accounts led savings growth, rising 1%, followed by money market accounts and regular shares, which both went up 0.7%. One-year certificates and share drafts each fell 0.5%. Credit union savings in September totaled $797.4 billion--or $42.6 billion more than the $754.8 billion saved in September 2009. “Savings balances rose 0.3% in September, traditionally a slow month for savings growth,” Rick said. “However, with consumers in no mood to spend, saving and deleveraging is the only game in town.” Regarding asset quality, credit unions’ 60-plus-day delinquencies remained at 1.8% during September. The loan-to-savings ratio remained at 73% for the month. The liquidity ratio--the ratio of surplus funds maturing in less than one year to borrowings plus other liabilities--remained at 18%. The movement’s overall capital-to-asset ratio stayed at 10% in September. The total dollar amount of capital is $93 billion.